Sida tanda u shaqeyso, iyo sida si caddaalad ah loo abaabulo
Tanda waa koox keyd wareeg ah oo caan ka ah Meksiko iyo bulshooyinka Meksikaanka iyo Bartamaha Ameerika ee Maraykanka. Waqooyiga Meksiko badanaa waxaa loogu yeeraa cundina. Xubin kastaa wuxuu bixiyaa isku qaddar toddobaad kasta ama laba toddobaad kasta, muddo kastana hal xubin ayaa hela wadarta oo dhan, ilaa qof walba noobaddiisa helo.
Af-Ingiriisi, tanda waa “rotating savings club”, sidoo kale waxaa loogu yeeraa “money circle” ama “savings circle”. Ereyga Isbaanishka ah ee tanda wuxuu la macno yahay noobad ama dufcad, waana sida ay u shaqeyso: xubnuhu waxay noobad ku helaan wadarta.
Ribo (dulsaar) ma jiro. Qofka hela número (noobad) hore wuxuu helaa lacag hore, wuxuuna ku celiyaa qayb-bixinnadiisa; qofka hela número dambe si fudud ayuu wax u keydsanayaa. Tanda waxaa loo isticmaalaa kirada, baabuur, kharashka dugsiga, quinceañera ama bilaabidda ganacsi yar.
Sidee tanda u shaqeysaa?
- Abaabule ayaa martiqaada xubnaha, badanaa qaraabo, deris ama asxaab shaqo, wuxuuna dejiyaa qaddarka, inta jeer (badanaa toddobaadle ama quincena kasta) iyo tirada noobadaha.
- Xubin kastaa wuxuu helaa número, taas oo go'aamisa goorta uu wadarta helayo.
- Muddo kasta xubin kastaa wuxuu bixiyaa abaabulaha, lacag caddaan ah ama wareejin bangi.
- Abaabuluhu wadarta oo dhan wuxuu siiyaa número-ga muddadaas, tanda-duna waxay dhammaataa marka número kasta la siiyo.
Sidee loo qaybiyaa número-yada?
Tanda badan número-yada qori-tuur ayay ku bixiyaan. Kuwo kale, xubnuhu waxay codsadaan número-ga ay u baahan yihiin, número-yada horena waxaa la siiyaa dadka leh kharash degdeg ah. Abaabulayaasha qaarkood número-ga koowaad naftooda ayay u haystaan iyagoo ku beddelanaya maamulka tanda-da. Habka caddaaladda ahi waa in habka la isku raaco ka hor inta qofna bixin, oo la qoro cidda número kasta haysata.
Maxaa khaldama tanda?
- Qof ayaa baaba'a kadib markuu wadartiisa helo. Número-yada dambe ayaa khasaara, sidaas darteed abaabulayaashu waxay martiqaadaan dad ay aaminsan yihiin oo keliya.
- Lacag-bixin daahday waxay dib u dhigtaa qaadashada xigta, cadaadisna waxay saartaa abaabulaha inuu farqiga buuxiyo.
- Khilaaf ku saabsan cidda bixisay. Buug-qoraal ama wada-sheekeysi chat ah, way adag tahay in lacag-bixin la caddeeyo bilo kadib.
Sidee tanda loogu maamulaa Savings Circle?
- Samee kooxda. Dooro “tanda” nooca magaceeda, kadibna deji lacagta iyo waxa qof kastaa bixinayo wareeg kasta. App-ku wuxuu isticmaalaa eraygaaga shaashad kasta iyo xusuusin kasta.
- Ku dar xubnaha xiriiradaada. Iyagu waxba ma soo dejiyaan.
- Deji kala horreynta. Qof walba hortiisa ku samee qori-tuur aan kala sooc lahayn, ama geli kala horreynta aad isku raacdeen. Qori-tuurka aan kala sooc lahayn abuurkiisa ayuu kaydiyaa, sidaas darteed qof kasta mar dambe wuu hubin karaa inaan la beddelin. Xubnuhu waxay codsan karaan inay noobadaha isweydaarsadaan, isweydaarsiguna sidoo kale waa la diiwaangeliyaa.
- Diiwaangeli lacag-bixinnada markay yimaadaan, lacag caddaan ah, bangi ama boorso moobayl, oo leh sawir-shaashadeed caddeyn ahaan haddii aad rabto. Internet la'aan wuu shaqeeyaa, mar dambe ayuuna isku-waafajiyaa.
- Xusuusi kuwa daahay. Hal taabasho ayaa furaysa WhatsApp, SMS ama Telegram oo leh fariin edeb leh oo luqaddooda ah.
- Diiwaangeli qaadasho kasta. Gelitaan kastaa taariikh ayuu leeyahay. Saxitaan waxaa lagu daraa gelitaan cusub, kan asalka ahna taariikhda ayuu ku sii jiraa.
Savings Circle marna ma haysto, mana wareejiyo lacag. Xubnuhu midba midka kale wuxuu u bixiyaa sidii ay horay u samayn jireen; app-ku waa diiwaanka la wadaago ee cidda bixisay, cidda xigta iyo waxa lagu leeyahay.
Magacyo kale oo isla fikraddan ah
In Mexico it is a tanda or cundina. Elsewhere the same system is a committee in Pakistan and India, a susu in Ghana, a chama in Kenya, an arisan in Indonesia and a paluwagan in the Philippines; in the US it is also called a lending circle. Economists call all of these rotating savings and credit associations, or ROSCAs. Savings Circle works for any of them.
Read this guide in other languages: ¿Qué es una tanda y cómo funciona? and cómo hacer una tanda de dinero (Spanish), or tanda là gì (Vietnamese).
Hagayaal
- South Asia: committee, kameti, chit fund, bhishi, kitty party and samity
- Africa: susu, chama, ajo, adashe, equb, hagbad, stokvel, tontine, mukando and chilimba
- The Americas and the Caribbean: sou-sou, tanda, junta, lending circle and pardner
- Asia and the Pacific: arisan, paluwagan and hụi
- Carabta: jam’iya